CLOVER HEALTH INVESTMENTS CO (CLOV)
US18914F1030 - Common Stock
Taking everything into account, CLOV scores 2 out of 10 in our fundamental rating. CLOV was compared to 113 industry peers in the Health Care Providers & Services industry. The financial health of CLOV is average, but there are quite some concerns on its profitability. CLOV is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CLOV had negative earnings in the past year.
CLOV had a negative operating cash flow in the past year.
CLOV had negative earnings in each of the past 5 years.
In the past 5 years CLOV always reported negative operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -13.99%, CLOV is doing worse than 74.34% of the companies in the same industry.
Looking at the Return On Equity, with a value of -26.71%, CLOV is doing worse than 61.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.99% | ||
| ROE | -26.71% | ||
| ROIC | N/A |
ROA(3y)-47.04%
ROA(5y)-28.38%
ROE(3y)-93.07%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CLOV does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CLOV does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CLOV has been increased compared to 1 year ago.
CLOV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
CLOV has an Altman-Z score of 0.85. This is a bad value and indicates that CLOV is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.85, CLOV is doing worse than 60.18% of the companies in the same industry.
CLOV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.85 |
ROIC/WACCN/A
WACC9.05%
2.3 Liquidity
CLOV has a Current Ratio of 1.55. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of CLOV (1.55) is comparable to the rest of the industry.
CLOV has a Quick Ratio of 1.55. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.55, CLOV is in line with its industry, outperforming 58.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.55 | ||
| Quick Ratio | 1.55 |
3. Growth
3.1 Past
CLOV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.00%, which is quite impressive.
Looking at the last year, CLOV shows a very negative growth in Revenue. The Revenue has decreased by -36.24% in the last year.
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%77.78%
Revenue 1Y (TTM)-36.24%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-31.34%
3.2 Future
Based on estimates for the next years, CLOV will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.62% on average per year.
Based on estimates for the next years, CLOV will show a decrease in Revenue. The Revenue will decrease by -2.44% on average per year.
EPS Next Y69.86%
EPS Next 2Y29.44%
EPS Next 3Y19.86%
EPS Next 5Y9.62%
Revenue Next Year-31%
Revenue Next 2Y-11.57%
Revenue Next 3Y-2.78%
Revenue Next 5Y-2.44%
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for CLOV. In the last year negative earnings were reported.
Also next year CLOV is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CLOV's earnings are expected to grow with 19.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y29.44%
EPS Next 3Y19.86%
5. Dividend
5.1 Amount
CLOV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CLOVER HEALTH INVESTMENTS CO
NASDAQ:CLOV (11/21/2024, 8:19:55 PM)
After market: 3.3313 -0.03 (-0.85%)3.36
+0.01 (+0.3%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.68B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.99% | ||
| ROE | -26.71% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover2.37
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.55 | ||
| Quick Ratio | 1.55 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y69.86%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-36.24%
Revenue growth 3YN/A
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y